BlastPoint's Credit Union Scorecard
GUCO
Charter #62985 · NC
GUCO has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.63% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.25% below tier average
- - Efficiency ratio 5.68% above tier (higher cost structure)
- - Member decline: -2.6% YoY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 31 that size in North Carolina.
- Shares and deposits +4.1% year over year ($8.4M in shares and deposits).
- Membership: 1,383 members, -2.6% vs a year ago.
- Delinquency rate 0.13%.
- Return on assets 0.24%.
- Efficiency ratio 94.44% vs a 88.77% peer average.
- Loan-to-share ratio 83.28% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,383
-2.6% YoY0% QoQ
|
-1.2K |
2,585
-1.7% YoY
|
91,933
+2.2% YoY
|
34,678
+6.6% YoY
|
38% |
| Assets |
$10.2M
+3.6% YoY+2.2% QoQ
|
$-20.0M |
$30.3M
+1.5% YoY
|
$1.6B
+7.2% YoY
|
$593.1M
+10.2% YoY
|
32% |
| Loans |
$7.0M
+7.8% YoY+1.7% QoQ
|
$-8.5M |
$15.5M
-1.7% YoY
|
$1.1B
+5.6% YoY
|
$418.6M
+10.1% YoY
|
42% |
| Deposits |
$8.4M
+4.1% YoY+2.7% QoQ
|
$-17.4M |
$25.8M
+1.1% YoY
|
$1.4B
+7.1% YoY
|
$504.8M
+10.3% YoY
|
32% |
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| ROA |
0.2%
-2.7% YoY-56.0% QoQ
|
-1.3% |
1.5%
+241.5% YoY
|
0.9%
+189.6% YoY
|
1.2%
+121.4% YoY
|
15% |
| NIM |
4.5%
+1.8% YoY-0.7% QoQ
|
+0.6% |
3.9%
+0.9% YoY
|
4.0%
+0.2% YoY
|
3.8%
+2.3% YoY
|
77% |
| Efficiency Ratio |
94.4%
+4.3% YoY+7.8% QoQ
|
+5.7% |
88.8%
-6.9% YoY
|
83.1%
+0.7% YoY
|
83.0%
-5.3% YoY
|
80% |
| Delinquency Rate | 0.1% | -1.4 |
1.5%
+2.1% YoY
|
1.5%
+12.0% YoY
|
1.3%
+2.6% YoY
|
22% |
| Loan To Share |
83.3%
+3.6% YoY-1.0% QoQ
|
+24.4% |
58.9%
-3.1% YoY
|
74.9%
+0.0% YoY
|
66.4%
-1.4% YoY
|
84% |
| AMR |
$11,143
+8.6% YoY+2.3% QoQ
|
$-4K |
$14,963
-6.8% YoY
|
$17,976
+4.0% YoY
|
$20,028
-0.9% YoY
|
34% |
| CD Concentration |
25.9%
+7.7% YoY+8.3% QoQ
|
+1.4% | 24.6% | 21.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 4.6% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)